BDCU Alliance Bank Credit Cards

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Compare the lender that helps its local community and gives back to its members.

BDCU Alliance Bank believes in providing honest and ethical advice with the sole purpose of enhancing the lives of their members. They offer a range of financial services, including credit cards, insurance, financial planning, brokerage services and loans. With their profits going straight back to their members, they’re able to support their philanthropic activity, including the BDCU's Children's foundation that helps Bowral Hospital and BDCU Goulburn Hospital Fundraising.

BDCU is part of one of Australia's largest ATM networks, providing online banking and personalised service in Bowral, Mittagong, Moss Vale and Goulburn.

BDCU's Visa Credit Card is compared on this page to other similar cards. You can read more about the benefits of banking with BDCU below, as well as the features of this credit card and how to apply.

BDCU Alliance Bank Credit Cards

Rates last updated August 19th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
BDCU Visa Credit Card
7.99% p.a. for 6 months (reverts to 12.49% p.a.)
$45 p.a.
A no-frills Visa card with up to 44 days interest-free on purchases and a low minimum credit limit of $1,000.

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Types of credit cards from BDCU Alliance Bank

  • Low rate credit card

Low rate credit cards typically come with low interest rates, giving you a lower cost way to carry out your transactions. BDCU Alliance Bank offers a Low Rate Visa credit card that can be ideal if you want security for extra funds and access to competitive interest rates.
Learn more about Low Rate Credit Cards

The benefits of banking with BDCU Alliance Bank

  • Internet & phone banking

BDCU provides secure access to your banking services 24 hours a day, seven days a week. You can access your account online or through the phone whenever you need to.

  • Worldwide acceptance

Have the confidence of worldwide recognition with Visa credit card. You’ll have access to your funds at over 2.1 million ATMs in more than 200 countries and territories worldwide.

  • Membership benefits

All profits are channelled back to members and the community, with more than 14,000 members of the community already sharing ownership. Specific members benefits are also available to certain age groups and business groups.

  • Access

As a member of BDCU you will have access to one of  Australia's largest ATM networks. BDCU Alliance Bank also provides personal service in Bowral, Mittagong, Moss Vale and Goulburn.

How to apply for BDCU Alliance Bank credit cards

To apply for a BDCU Alliance Bank Credit Card, click the ‘Go to Site’ button and you will be redirected to a secure web form. Please note that in order to be eligible for this card you must meet the following requirements:

Eligibility criteria

  • Be a BDCU member
  • Be a permanent Australian Resident
  • Be at least 18 years old
  • Have a good credit rating

Required information

  • Identification. Provide information about yourself, such as drivers license number, whether you support any dependants, your residential address and a relative’s details.
  • Income. You’ll need to give a recent payslip, tax assessment, group certificate, or dividend income certificate with this application.
  • Finances. This section requires information about your income, savings/ investment accounts and assets.

What happens next?

Once you have completed the application form, return it to any BDCU Alliance Bank centre or mail it directly to them.  You should get an email from the bank letting you know whether you’ve been approved or declined. Your application can also be conditionally approved. If this is the case, you may need to provide extra information to the bank, like payslips, to verify your income.

If your application has been fully approved, you can expect to get your credit card within two weeks.

Frequently asked questions

Payments can be made on the internet or by phone with BPAY. Simply call BDCU’s direct line for phone banking or apply for internet banking through the BDCU website.

Balance transfers can be requested at the time of application or by calling BDCU.

The minimum repayment for this card is 3% of the outstanding balance or $25, whichever is greater.

Interest-free days on purchases are eligible when the account is paid in full when your statement is issued. If a balance is carried month to month (like when you're paying off a balance transfer promotion) you won't be eligible for interest-free days. Please note that interest-free days do not apply to cash advances and cash transactions, such as bill payments.

If you lose your card you can cancel your card immediately by calling BDCU directly on 1800 648 027 (Toll-free National) or +61 2 9959 7686 (International).

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